금융

주택 구매 가능 금액 계산기

소득과 부채를 기준으로 구매 가능한 최대 주택 가격을 계산하세요.

$
$

Car loans, student loans, credit cards, etc.

$
%

Front-end / back-end debt-to-income limits

Maximum Home Price
$—
Max Monthly Payment
$—
Max Loan Amount
$—
Front-End DTI Limit
—%
Back-End DTI Limit
—%
사용 방법
  1. Enter your annual gross income (before taxes).
  2. Add your total monthly debt payments — car, student, credit card minimums, etc.
  3. Enter your down payment amount saved.
  4. Set the interest rate and loan term.
  5. Choose a DTI guideline: lenders typically use 28/36, FHA uses 31/43.
  6. The calculator shows the maximum home price you can afford under each rule.

공식

Max Housing Payment = Monthly Income × Front-End DTI %
Max Total Debt = Monthly Income × Back-End DTI %
Max Loan = MAX_PMT × [(1+r)ⁿ − 1] / [r × (1+r)ⁿ]
r = Monthly interest rate (annual ÷ 12)
n = Number of payments (years × 12)
DTI = Debt-to-Income ratio

The house affordability calculator uses the industry-standard DTI (Debt-to-Income) guidelines used by lenders. The 28/36 rule means your housing costs should not exceed 28% of gross monthly income, and total debts should not exceed 36%. FHA loans often allow up to 31% front-end and 43% back-end DTI. Learn more at CFPB's homebuyer guide.